We create the best chatbots

in Southeast Asia


Our Clients

Engage Your Users Effectively With Clever Conversational UX and Deep NLP

By combining our art of conversational flow design, with our science of natural language understanding, we handcraft the best chatbots that leave your users in awe.


Our Technologies

Multilingual AI

Not every user speaks the same language.

With Pand.ai's proprietary Natural Language Processing (NLP) engine, our chatbots are able to understand English, Simplified and Traditional Chinese, Bahasa Malaysia,

Bahasa Indonesia, and soon, Thai.

Multiplatform Connection

Establish your presence across different platforms.

Pand.ai's dynamic system architecture enables you to host your chatbot on Facebook Messenger, LINE, Slack, WeChat, WhatsApp, or even on your own customized chat widget.

Contextual memory 

Chatbots should be intuitive to talk to, just like a human.

Through Pand.ai's embedded in-state memory retention technology, our

chatbots can respond to questions while considering the context of the


Multidimensional search

Ordinary chatbots struggle with complex questions, ours don’t.  


Pand.ai can handle inquiries with different parameters easily with our multidimensional search algorithm.

Customisable Dashboard

Your business is unique, and so are your metrics.

Pand.ai provides a customized analytics dashboard for every client, because we

understand that no two chatbots are alike.


Pand.ai takes chatbot learning even further.

Managing distributed content across different divisions and geographies with multiple active chatbots isn’t an issue with our unique Bot2Bot technology.

Realtime Data Visualization

Providing out-of-date information could result in poor decisions.

Pand.ai's bots provides all relevant information in real-time with appropriate

visual content to aid decision-making.

Data Taxonomy

Good chatbots are supported by good content.

Pand.ai's proprietary data taxonomy makes updating your content easy, and multiplies the number of questions your bot is able to answer.


Our Chatbots in Action

Pand.ai implemented a productivity-boosting chatbot for a life insurance company in Malaysia. It was an instant hit with their agents because of its ability to answer commonly-asked questions and to provide easy access to downloadable forms and documents. It was able to hit their full-year target within 2 months of launch.


About Us

Your bot is designed and built by a dedicated and highly-qualified team of product designers, data scientists, software engineers and finance executives with extensive experiences across AI and financial services. Led by a former Head of Digital Banking and an award-winning data scientist, every chatbot is handcrafted to meet your specific business objectives and unique requirements.

Chuang Shin Wee


Chief Executive Officer

Shin co-designs many of the chatbots that we build for insurance, wealth management and asset management verticals.

Prior to founding Pand.ai, Shin was the Head of Digital Banking for Standard Chartered Bank in China. He won multiple awards on innovation, and was named “Top 50 Business Innovators (Marketing) in China” in 2013. He has previously worked for Microsoft, Citi and Creative Technology.

Shin is a graduate of the University of Bristol, the Massachusetts Institute of Technology (MIT) and the Wharton School.

David Low


Chief Data Scientist

David creates the next generation machine learning algorithms that power all our AI chatbots.

He is an award-winning competitive data scientist and was once ranked top 0.02% on Kaggle.


Prior to co-founding Pand.ai, David worked for the Infocomm Development Authority  (IDA) in Singapore.

David is a graduate of the National University of Singapore (NUS) and currently lectures machine-learning to post-graduate students at the same university.


Why Us?

We have the best people and the best technology to create the best chatbot for you. Best of all, we are the only one-stop shop that can help you create award-winning AI chatbots in financial services — from conceptualizing, designing, data cleaning, developing, testing and even running the live bot post-production. We have the experience and expertise to handle everything to get your chatbot off the ground. Yes, everything.


Frequently Asked Questions

Why choose a conversational AI chatbot when the technology is still young?

Although conversational AI is not yet matured, that doesn’t mean it isn’t commercially useful. We have created chatbots for that have been used for a wide range of purposes such as recruitment, staff training, marketing and HR management. The AI chatbots we have developed for lead generation, have been shown to outperform traditional websites by up to 10 times. Our conversational AI chatbots are not just virtual assistants that are only capable of answering simple FAQs, they provide real business value by allowing your employees to focus on high-value work and not wasting effort on time consuming and routine tasks.

What is so special about your NLP?

We are in the business of applied AI, so we do not conduct primary research on NLP. However, we recognize languages have many subtle local nuances that are often not captured by general-purpose NLP engines. That’s why we have an in-house team of AI researchers and developers dedicated to applying state-of-the-art machine-learning methods to develop and improve upon our core NLP, that is fine-tuned to better understand colloquial slangs, financial jargons, and even Internet shorthand. To ensure the quality of our NLP engines, we will only build a new one when we have a native speaker in the team.

Do you only provide chatbots for the financial sector?

We specialize in developing custom-built AI solutions for financial institutions, including banks, insurance providers and asset management companies. We make sure each chatbot we create is to the highest standard, and we do this by servicing clients in our area of expertise. But that does not mean we will not consider other projects. If you are looking for a chatbot outside the financial sector for an interesting and meaningful project that we think we can contribute to then we will certainly consider being a part of it.

Is it true that NLP degrades over time?

Yes, the percentage accuracy of every Natural Language Processing (NLP) model drops over time as new content is being added. We call this degradation process “NLP decay”. Because of this we recommend fine-tuning the NLP every 6 months.

Will you develop chatbots that understand other languages?

Our proprietary Natural Language Processing (NLP) engine is created to be robust and with a higher degree of accuracy compared to other methods. In order to avoid compromising on the quality, we only introduce new languages when we have a native speak for that language in our team. Currently, we support English, Chinese (simplified/traditional), Bahasa Malaysia, Bahasa Indonesia, and soon, Thai.

Why can’t your chatbot answer my basic question?

At its core, a chatbot is a question matching platform, mapping a user’s input with a pre-defined set of questions. Like an employee, a chatbot also needs to be given relevant content before they can respond to your enquiries. This is why the chatbots we built are custom-designed to meet the unique requirements of your business, not to be the next Google. While they won’t be able to answer every possible question which a user might ask, they will be able to answer the ones that are relevant to their purpose.

How long does it take for you to create my chatbot?

The shortest time we have taken to build a commercially-ready, external-facing chatbot for a bank was 4 weeks. That said, development time will vary depending on the complexity of the chatbot, the availability of content, and many other factors. Furthermore, AI is a “living system” so we usually recommend that new clients to undertake a 3-month pilot program with us to co-create a bot that has the functionalities, features and content that fulfil your unique business needs.

How can I manage my bot after production?

Our multi-functional Admin Portal gives you access to information such as usage metrics and user conversation histories and allows you to create, manage and remove data from your bot. The simple design of the Questions, Flows, and Entities page makes training your bot effortless. Our unique approvals page ensures that each modification is seen by a second pair of eyes to make sure any unintended errors are caught before being introduced to the live bot. The broadcast page makes it easy for you to send updates or specialized content to bot users.

Do you only provide chatbots for Singapore companies?

No, we don’t just provide chatbots for companies in Singapore. We have been creating chatbots for companies all across Southeast Asia, including financial institutions in the Fortune 500 list.

Do you outsource any of the development?

We are a one-stop chatbot-shop. From conceptualising and designing your bot, to development and testing, our team of highly educated data scientists and software engineers handle every step right here in Singapore. We can even help you run your live bot post-production.


Still have some questions?

If your question hasn’t been answered, leave us your question and contact details and we’ll reach out to you.

Don't settle for ordinary chatbots.

Get ahead of the competition.

80 Robinson Rd, #08-01

80RR FinTech Hub, 068898

© 2019 by Pand.ai Pte. Ltd. Singapore

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